Digital Banking
Card Management
CONTROL in the palm of your hand
Take control of your Ixonia Bank Debit Card with our Card Management Tool through Card Suite Lite. This fraud prevention tool is located conveniently within our Mobile Banking app, you can manage your debit card usage right from your smartphone or tablet, at home or on the go!
- Turn your card off or on. You decide when and where you want your debit card used.
- Set spending limits. Any transaction over the amount you specify will be declined.
- Set up real-time alerts. Monitor transactions to know when and where your card is being used.
- Review card history. Check card transactions and details on your account.
- Location-based controls. Use the GPS location of your smartphone to restrict where transactions can be made.
Control Spending
If you are trying to establish or stick to a budget, our Card Management Tool can help you. Set spending limits for general use or specify thresholds by merchant types such as gas, groceries, and retail stores. You can also establish these controls by location. The flexible app lets you change these parameters anytime with ease via your mobile device.
Fraud Protection
A lost or stolen debit card is one area of concern in today’s world where identity theft, skimming, and other attacks are an unfortunate reality. Turning your debit card off when you’re not using it helps safeguard against fraud. When your card is “off,” no withdrawals or purchases will be approved. Transaction controls that allow your debit card to work only in specific locations or geographic areas add another layer of protection, and real-time alerts keep you informed when your card is used or declined.
Resources
User Guide Frequently Asked Questions
NOTE: Please note the User Guide and FAQs may mention steps or features that may not apply to Ixonia Bank customers. Our Card Management Tool is directly integrated into our Mobile Banking app, and it is not its own app. We will update with customized information soon.
Don’t have our Mobile Banking app? Download it here!
Customers can download the Android™ app from the Android Market or the iPhone app from the Apple® App StoreSM.
If you have any questions regarding mobile banking, please contact Mobile Banking Support at 920-206-4357 or visit a branch near you. You can also text “HELP” for help, or text “STOP” to cancel to 73955.
Card Management FAQs
My pending purchase shows that it is for more than I paid. Why?
Some merchants send pre-authorizations at higher amounts to test cards' validity. For example, a $25 gas purchase might display as $26. Pre-authorizations are common at the pump, for a hotel stay, or for a car rental. Even though the charge is listed in the application for more, it will clear your account for the correct amount.
With whom, and how, do I share a card?
You can share your card with your partner, parent, child, friend, co-worker, or other trusted contacts. Share a card by clicking on the manage > card sharing > add member. Choose an existing contact from your address book to auto-fill recipients’ information. Links and instructions to access the shared card will be sent to the recipient via text.
Why am I not receiving the alerts that I set up in the app?
Confirm that your mobile device’s notification settings for the app are turned on. If alerts are turned off at the operating system level, they will not be able to deliver alerts to your device.
What are Alerts and how will I receive them?
Alerts let you know when certain events occur. You can choose to turn on/off alerts for the following events:
• Card Management: Card expiration and freeze/unfreeze alerts
• Card Controls: Alerts for merchant, location and transaction controls
• Transactions: Alerts for approved and declined transactions
Alerts will be sent as a push notification on your mobile phone. Alerts can also be viewed in-app by clicking on the bell notification icon.
How long will my transaction history display?
Transactions will be displayed in the app for 12 months.
When a transaction is declined due to card controls, can I temporarily update the card controls to make that transaction a success?
Yes, you can temporarily turn off card controls by tapping the Override button for a declined transaction. However, this must be done within 10 minutes of the original transaction being declined.
I was at the merchant, and my transaction was declined. Why?
When a transaction is declined due to a control that was setup in the app, a push notification is sent. You can view the card control(s) that cause the decline by going to Transaction History. Tap the declined transaction and the control(s) that were evoked during the authorization will be listed near the bottom. Please note: The transaction could also be declined because of external factors like insufficient funds or fraud monitoring - the Card Management tool will not display these external factors.
Can I use Location Shield, Region Shield and International Transactions at the same time?
Yes. Location Shield, Region Shield and International Transactions card controls can be used in conjunction with one another. When Region Shield and International Transactions are enabled, you will only be able to use your card in those regions/countries selected.
How long does it take for a control or alert setting to take effect?
Controls and alerts come into effect immediately after you save your preferences.
By deleting my card in Card Management, am I closing my account?
No. Deleting a card in the app does not change the status of your account. It only removes the card from Card Management which deletes all the card controls.
When I freeze my card, will my autopay and recurring transactions also be declined?
No, autopay and recurring transactions will continue when the card is frozen.
What is the freeze card feature?
The freeze card feature allows you to lock your card temporarily. All transactions will be declined while the card is in a frozen status except for recurring/auto payments.
What are the different types of control options available?
Card Management through Card Suite Lite offers three different types of controls: • Transaction controls allow you to control various transaction types, including online, in-store, contactless, ATM, and mail/phone. Using this feature, you can block specific transaction types to avoid fraud. • Merchant controls allow you to control the merchants where your card can be used and set spend limits. • Location controls allow you to define an area where your card can be used. There are 3 types of location controls: o Location Shield requires that the phone be within 8 miles of the merchant for the transaction to be approved. o Region Shield allows you to select a zip code, city or state where purchases can be made. Up to 50 regions can be added. o International Transactions defaults to the country that your financial institution set up your card in, but you can add additional countries. Travel dates can be added to regions in location controls. However, adding dates to the application does not add them to your financial institutions system. You will still need to contact your financial institution and notify them of your international travel dates to ensure that your transactions are not declined.
When registering, I received a message stating that the card was already registered. What does this mean?
The Card Already Registered message means that someone else has already registered the card. By clicking the Add Card Anyways option you will be added as a shared user. See the Shared Users section for more information on this feature.
How many cards can I register?
There is no limit as to how many cards you can register.
I received a new card number. Will it automatically update in the app?
If your card is reissued with the existing card number, you will not need to add it to the app again. However, if your card is reissued with a new card number, you will need to add the new card to the app.
What kind of mobile devices are supported?
Most mobile devices, though they must have the most current operating system (OS). The two previous versions of the OS are supported too. It may work on an iPad or tablet, but they are not supported.
Is there a fee to use Card Management?
No. It is provided to you at no cost so you can have more control over your card.
What is required to use Card Management by Card Suite Lite?
Card Management requires you to have a debit card account issued from Ixonia Bank. You will also need an Apple or Android smartphone/tablet.
What is Card Management by Card Suite Lite?
Card Suite Lite is integrated into Ixonia Bank's mobile app as Card Managment. It allows you to control how, when, and where your debit and/or credit cards are used. It is a simple and secure way to manage and monitor your payment transaction activity. Card Management can help keep your payment cards safe and provide instant alerts whenever your card is used.
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